BBB Education PEO Review

Where you are today

Insperity wants $10,937 more for 2027

Everything BBB pays Insperity beyond payroll taxes, this year and at renewal. Medical drives most of the increase, and the HR fee goes from $182.50 to $192.50 per employee a month.

What BBB pays Insperity per year

2026$149,193 $12,433 a month

2027 renewal$160,130 $13,344 a month

+$10,937

+7.3% for the same plans, the same people and the same services.

Medical: UnitedHealthcare through Insperity, five plans. +8.7% for 2027.
Dental and vision: UHC Dental PPO 50 and VSP, bundled. No change for 2027.
HR service fee: $182.50 per employee a month, rising to $192.50.
Who’s on the plan: 6 of 9 employees. The two owners’ families are fully company-paid.

Every line, 2026 and 2027

Payroll taxes are the same with any PEO, so they’re left out here and below.

What Insperity charges for	Details	2026, a year	2027, a year	Change
Medical	UnitedHealthcare, five plans6 enrolled: 1 employee only, 1 employee + spouse, 4 family	$112,619	$122,395	+$9,776+8.7%
Dental and vision	UHC Dental PPO 50 and VSP$55 / $107 / $109 / $166 a month, dental and vision together	$9,912	$9,912	No change
HR service fee	Payroll, HR and compliance$182.50 per employee a month, then $192.50, for 9 employees	$19,710	$20,790	+$1,080+5.5%
Workers’ comp and EPLI	Bundled into Insperity’s fee	$2,416	$2,497	+$81
Co-employment risk	Insperity’s charge for employment liability	$4,536	$4,536	No change
Every line		$149,193	$160,130	+$10,937+7.3%

Swipe the table sideways to see every column →

Switching PEOs

You already use a PEO. This changes which one.

CoAdvantage recently renamed itself CoAdd. Co-employment, one invoice and payroll run through the PEO all work the way they do with Insperity. What changes is the provider, the medical carrier and the price.

Stays the same

Yours

You run BBB: hiring, pay, schedules and how the team works.
One invoice for payroll, taxes and benefits.
The owners’ HSA plans, with the same $3,400 deductible.

Changes

CoAdvantage

Payroll and HR move from Insperity to CoAdvantage.
Medical moves from UnitedHealthcare to Aetna’s national network, with no referrals.
Dental and vision move to Guardian.
A new portal for pay stubs, time off and benefits.

Start dateJanuary 1, 2027Insperity’s renewal runs the calendar year, so this lines up with it.

CoAdvantage’s fee$10,350 a year$95.83 per employee a month for 9 employees.

RatesHeld to 9/30/2027Then CoAdvantage renews every October 1.

Final rates, fees and workers’ comp are confirmed when CoAdvantage underwrites the full submission.

Side by side · Medical

Each plan next to its CoAdvantage match

Today’s five UHC plans, each beside the Aetna plan CoAdvantage priced for the same people. Monthly premium is the 2027 cost for the people on that plan.

500 plan 1 employee

In network	InsperityUHC Choice Plus 500	CoAdvantageAetna 500 / 20%
DeductibleSingle / family	$500 / $1,500	$500 / $1,000
Coinsurance	20%	20%
Out-of-pocket max	$5,000 / $10,000	$3,500 / $7,000
Doctor / specialist	$35 / $65	$25 / $50
ER / urgent care	$250 / $75	$350 / $85
Prescriptions	$150 drug deductible, then $10 / $40 / $65	No drug deductible, $10 / $45 / $70
2027, a month	$800.65	$844.00$43.35 more

1500 plan 1 employee + spouse

In network	InsperityUHC Choice Plus 1500	CoAdvantageAetna 2000 / 20%
DeductibleSingle / family	$1,500 / $4,500	$2,000 / $4,000
Coinsurance	20%	20%
Out-of-pocket max	$6,350 / $12,700	$6,850 / $13,700
Doctor / specialist	$35 / $65	$30 / $60
ER / urgent care	$250 / $75	$500 / $85
Prescriptions	$150 drug deductible, then $10 / $40 / $65	No drug deductible, $10 / $45 / $70
2027, a month	$1,560.44	$1,515.00$45.44 less

6000 plan 1 family

In network	InsperityUHC Choice Plus 6000	CoAdvantageAetna 6350 / 0%
DeductibleSingle / family	$6,000 / $13,200	$6,350 / $12,700
Coinsurance	0%	0%
Out-of-pocket max	$8,500 / $17,000	$7,500 / $15,000
Doctor / specialist	$40 / $75	$25 / $25 after deductible
ER / urgent care	$500 / $75	Covered in full after the deductible
Prescriptions	$200 drug deductible, then $10 / $45 / $70	No drug deductible, $15 / $55 / $90
2027, a month	$1,976.10	$1,438.00$538.10 less

Primary Advantage 2000 1 family

In network	InsperityUHC Primary Advantage 2000	CoAdvantageAetna 2000 / 20%
DeductibleSingle / family	$2,000 / $4,000	$2,000 / $4,000
Coinsurance	20%	20%
Out-of-pocket max	$6,500 / $13,000	$6,850 / $13,700
Doctor / specialist	$0 / $100	$30 / $60
ER / urgent care	$250 + 20% / $50	$500 / $85
Prescriptions	$250 drug deductible, then $5 / $50 / $100	No drug deductible, $10 / $45 / $70
2027, a month	$1,972.55	$2,043.00$70.45 more

HSA plan 3400 2 families, the owners

In network	InsperityUHC Choice Plus HDHP 3400	CoAdvantageAetna HSA 3400 / 10%
DeductibleSingle / family	$3,400 / $6,800Single goes to $3,500 in 2027	$3,400 / $6,800
Coinsurance	10%	10%
Out-of-pocket max	$7,000 / $14,000	$5,500 / $11,000
Doctor / specialist	10% after deductible	10% after deductible
ER / urgent care	10% after deductible	10% after deductible
Prescriptions	After deductible: $10 / $35 / $60	After deductible: $10 / $45 / $70
2027, a monthFor both families	$3,889.88	$3,230.00$659.88 less

Green better than Insperity’s planRed worse than Insperity’s plan

Medical for all six: $122,395 with Insperity in 2027, $108,840 with CoAdvantage at its quoted rates. The 500, 6000 and owners’ HSA plans get lower out-of-pocket maxes. The 1500 member moves to a $2,000 deductible, and most ER copays go up. Insperity’s plan details are its 2026 designs.

Contribution strategy

Who saves: BBB or your employees

It starts at your split today: BBB pays the owners’ coverage in full, and for everyone else pays the employee-only cost of their plan, up to $744.71 a month. Employees pay the rest. Change it to see what each person pays per paycheck.

BBB pays for each employee

Up to, per month $744.71

$0$250$500$750$1,000

The two owners stay fully company-paid either way.

Paychecks

Total savings vs. renewing, per year

$0

BBB saves$0

Employees save$0

Medical at CoAdvantage’s quoted rates. BBB’s savings also count the lower fee, workers’ comp, EPLI and co-employment charge ($16,181 a year) and dental and vision ($2,992 a year).

Employee pays, per paycheck	Insperity2027	CoAdvantage2027	ChangePer paycheck

What it costs

All in, per year

Every line BBB pays the PEO beyond payroll taxes, for the first year. CoAdvantage is lower on every line. Its rates are held through September 30, 2027, then renew October 1.

Per year	TodayInsperity 2026	RenewalInsperity 2027	RecommendedCoAdvantage 2027
MedicalAll six on the plan	$112,619	$122,395	$108,840Quoted rates, held to 9/30/2027
Dental and vision	$9,912	$9,912	$6,920Guardian dental and vision
PEO feePayroll, HR and compliance	$19,710	$20,790	$10,350$95.83 per employee a month
Workers’ comp and EPLI	$2,416	$2,497	$1,292$733 workers’ comp, $559 EPLI (optional)
Co-employment risk	$4,536	$4,536	NoneCovered by the EPLI policy
Total per year	$149,193	$160,130	$127,402
Saves vs. renewing	$10,937 less	Starting point	$32,728

Swipe the table sideways to see every column →

Medical plus the PEO fee alone is $143,185 with Insperity and $119,190 with CoAdvantage, $23,995 less. Dental and vision, workers’ comp, EPLI and the co-employment charge add the rest. CoAdvantage priced workers’ comp and EPLI on 6 employees; we’re confirming them for your current headcount.

Your questions

What you asked on our call

Answers from our October 29 call with you and CoAdvantage. Two items are still open: the doctor check and a few details we’re confirming with CoAdvantage.

Doctors and states

“Who’s the medical carrier? Some of us don’t love Aetna, and we need our doctors in Georgia, Alabama and Illinois.”

Aetna is CoAdvantage’s master plan, on its national network with no referrals.
CoAdvantage can quote UnitedHealthcare or another carrier on the open market, but it costs more without the group buying power.
Next: Robin Woods, CoAdvantage’s regional benefits consultant, checks your doctors and hospitals. David is sending Aetna’s provider guide.

Doctor check next

A hire in Minnesota

“We may add an employee in Minnesota in 2027.”

CoAdvantage covers employees in every state, and Aetna’s network is national.
Payroll, taxes and registration in Minnesota are handled when that person is hired.

Covered

HSA plans

“Do any of these plans have an HSA?”

Yes. Any high-deductible plan can pair with an HSA, like the owners’ Aetna HSA 3400 plan.
CoAdvantage has 35+ plans. Groups your size often pick three, good, better and best, with one HSA plan.
A hospital indemnity plan can be added for employees who want extra protection.

Yes

Cyber coverage

“Palm Beach County Schools asked whether we carry a cyber policy.”

CoAdvantage offers cyber liability: $250,000 aggregate, about $35 a month.
It isn’t in the totals above. It adds about $420 a year.
David is sending the flyer.

Available

QuickBooks

“How does payroll get into QuickBooks?”

Through a GL Connect file. CoAdvantage maps your chart of accounts once during setup.
After each payroll, Sarah downloads the GL Connect file from CoAdvantage and uploads it to QuickBooks.

Download, then upload

Payroll approval

“Today a payroll specialist sends Sarah the file to approve, then runs payroll. Same here?”

Yes. A payroll specialist prepares it, Sarah approves it, then it’s processed.
This works the same for your salaried non-exempt employees.

Same as today

Your Voya 401(k)

“We have a 401(k) through Voya, outside Insperity, and don’t want to move it.”

It stays. Each payroll comes with a 401(k) cash report showing what to send Voya.
Moving it later is optional. CoAdvantage’s 401(k) is included in the fee, uses institutional shares, and handles safe harbor testing and the Form 5500.
The main hassle with a move is a short blackout period. We’d treat it as a separate project after the switch.

Stays for now

Year-two increases

“Is year two where they gouge you?”

No PEO can promise renewals. Carriers are raising rates everywhere.
CoAdvantage renews every October 1, and its pricing doesn’t look like it’s buying business.
This page uses CoAdvantage’s quoted rates for the first year. They’re held through September 30, 2027.
If medical went up 15% on October 1, 2027, first-year savings would still be $28,646, the figure from our October 29 call.
CoAdvantage is privately held, not owned by private equity.

Rates held to 9/30/2027

Leaving Insperity

“What do we tell Insperity, and should we push them on price?”

You said it’s 30 days’ notice, month to month. Confirm that in your Client Service Agreement.
Give written notice before about December 1 for a January 1 start.
Insperity may counter. Even 30% off its fee, about $6,200, wouldn’t close a $32,728 gap.

Confirm the agreement

Insperity’s 21%

“Isn’t Insperity charging us about 20%?”

That 20.98% is Insperity’s total charge as a share of payroll. It includes payroll taxes (8.14%) and benefits (9.71%).
The HR fee itself is 2.34% of payroll: $192.50 per employee a month, vs. CoAdvantage’s $95.83.

Explained

What you’d keep

“Will we lose the life, AD&D and training Insperity gives us?”

CoAdvantage offers basic life, AD&D and voluntary coverage. We’re confirming the amounts match yours.
Required trainings are included. We’re confirming whether extra courses cost more.

Confirming

Eight employees

“We’re at 8 now. What changes?”

Insperity’s renewal still lists 9, so we’ll confirm the count.
Both fees are per employee. At 8, CoAdvantage’s lead shrinks by about $1,160 a year, to about $31,570 all in, if the person who left wasn’t on medical.

Confirming

Dental and vision

Dental and vision, side by side

Insperity bundles dental and vision into one rate. CoAdvantage uses Guardian for both. Guardian Standard dental lines up closely with today’s plan, and together they cost about 30% less.

Dental

In network	TodayUHC Dental PPO 50Through Insperity	Closest matchGuardian StandardThrough CoAdvantage	RicherGuardian EnhancedThrough CoAdvantage
DeductibleSingle / family	$50 / $150	$50 / $150	$50 / $150
Yearly max per person	$1,500	$1,500 + rollover	$2,500 + rollover
Cleanings and x-rays	100%	100%	100%
Fillings and basic work	80%	80%	80%
Crowns and major work	50%	50%	50%
Orthodontia	50%, $1,500 lifetimeUnder 19	50%, $1,000 lifetime	50%, $1,500 lifetime

Swipe the table sideways to see every plan →

Vision

In network	TodayVSPThrough Insperity	Guardian visionThrough CoAdvantage
Exam	$15 copay	$10 copay
Lenses	$25 copay	$20 copay
Frames	$150 allowance, 20% off the rest	$150 allowance, 20% off the rest
Contacts instead	Up to $150	Up to $150

Dental and vision together, a month

Coverage level	InsperityUHC dental + VSP	CoAdvantageGuardian Standard + vision
Employee only	$55.00	$37.88
Employee + spouse	$107.00	$65.80
Employee + children	$109.00	$77.68
Family	$166.00	$118.25
Group per yearSame 6 enrolled	$9,912	$6,920$2,992 less

Guardian’s rates run through September 2027 and renew October 1.

Next steps

Getting to January 1

About 60 days, so nothing has to be rushed. The goal is setup done in early December, before the holidays.

November 3Walkthrough and demo
You, Brent and Sarah go through these numbers with Caleb, then see CoAdvantage’s payroll system.
Next · CoAdvantageDoctor check
Robin Woods checks your doctors and hospitals on Aetna in Georgia, Alabama and Illinois.
Mid-NovemberDecide and sign
Full submission to CoAdvantage for final rates, workers’ comp and state unemployment.
By December 1Notice to Insperity
30 days’ written notice. CoAdvantage starts setup with your employee data and one implementation lead.
January 1, 2027Live on CoAdvantage
Insperity ends December 31. New plans and payroll start January 1.

Questions about any of this? Call either of us.

We’ll send the doctor check results and the open answers as they come in.

Caleb SherrillPhone704-787-1261Emailcaleb@pillarpeo.com

Emily SnooksEmailemily@pillarpeo.com